Insurance is being mis-sold with government support.
Remove the need for third party car insurance. Insurance should be for those that want protection. Anyone wanting to insure their car against accidents can take out fully comp. as now and the insurance company can stop their charade that you have to pay more if the other person is not insured. You pay for your insurance. If the other person hasn't paid that will be their look out, the government already pick up the tab for patching up anyone who survives the accident. Then you'll have to look after yourselves or you will have to foot the repair bill alone and no one should get paid compensation for suffering out of your insurance they can take out their own personal insurance.